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fourchlg the taliban, to try to reshape the environment there, and to try to maneuver the various players in the region towards negotiated outcome because there was no military outcome. that seems not to have gone well. in the absence of that, what is the strategic course? the strategic course is now to minimize american vulnerability in these areas. not walk afrom afghanistan, as has happened in the past. try to give afghanistan some choices, but for security and to try to get away from what i think is the free riding problem where president obama is free riding on security, and not moving governments forward to get other stake holding in the rest of the country. i think the president has moved that security blanket in part to change the dynamic in the region. he is also committed to rebalancing attention on asia, and he is taking military forces out should they be needed for iran and other matters. this is a very shrewd, smart move that i think the wlous is making. >> now, what we're seeing here, as well, is that they -- we just -- we're told that there's a two-minute warning. they do n
and corporate tax it is time to change so people can keep their own money and foster an environment where businesses want to invest andreate good paying jobs. he would hike the 4 percent sales tax and some say like it up to washington d.c., is that right or wrong? i am dave asbin. we'll go to steve and rich and mike and john, you love this idea and think it is good for the whole, country explain. >> one of the scandal is not the deficits, but the fact that federal government collects 2.5 trillion. with the consumption or sales tax, this is the lone way we can limit how much money gets to the federal government and more businesses would be created and jobs and the federal government would not be penalizing our work and we would get more work and jobs. >> sounds good to me, rick, to you? >> here's the problem. i will not touch incredibly regressive nature of this. >> by regressive, it hits the poor more than the rich? >> exactly. put the brakes on a economy, imagine what happens here. first of all, to keep the revenue neutral, you are looking at a 20r 30 percent sales tax . add that to the
. no huge surprise in the retail environment this year and we think sales overall were pretty good and margins and profits are going to be very positively reported in january. >> so, be specific. i know you have tons of different retail players in your spaces, but who really got it and who didn't? >> well, the folks this were really creaming it this year were tjmaxx and ross stores, marshalls, home goods, all the tj divisions, nordstrom rack, old navy had a terrific holiday season. target was a little off on their sales but they're very, very strong on their margins, so, what they didn't do was take the big markdowns and give away the merchandise. and that's very important to us as a landlord, because tenants pay their rent with margin, not necessarily with comp store sales. probably the biggest disappointment was colekohl's. while they did have positive comp store sales, they did have to highly promote their merchandise in order to get the sale sales. >> are you concerned at least in the short-term about the 2% increase in payroll taxes that are -- it's going to be felt by all ame
, the best way to do that in this environment may be simply to buy another company. hence, the huge spike in m and a activity in the fourth quarter. i think it's big. this trend continues in 2013, if you ask me. but i don't want just to seek more deals. i want them tb the right deals. buy, buy, buy. so for all of the lonely is ceos who i'm sure are sitting on the rooftops saying. ♪ match maker make me a match ♪ find me a match make me a pefr fekt match so you can say, make me a rich man to a very plaintive tune. the hottest steam out there, a steaming hot steam, housing. these two combined, business will be an absolute powerhouse. i'm talking about masco and fortune brands home and security. two makers of cabinets, plumbing fixtures and housing-related products. masco is a large commodity to home depot and i should point out that any deal to acquire fortune brands would have to be done later in the year because of ar kind tax deal. that's the caveat. still, the timing. we are now witnessing a fabulous housing rebound. something i've been talking about a lot lately because it's incredi
to be an economic and political environment. that's going to be the story for 2013. >> we get a lot of people who come in who it seems to me lately there's a big divergence. there are those who are optimistic about things and think things will go well. others that say, forget it, we've seen all the gains. which camp would you put yourself in? >> i guess i'm not wholistically in either camp. it's more an optimist than a pessimist. we've seen stock correlations begin to fall a little bit. that's encouraging. it says that investors are begin to go loor fop companies that figure out how to make money in a slow growth environment. not sure what the indices will do, but i think the companies that are positioned to save other people company. i was thinking about the people who sell cnbc their coffee cups. you don't do that. somebody has figured out how to do that on large scale and make a lot of money doing it. so those kinds of companies we're going to look for. that means selectivity. that means looking in place that's we don't like from a mook row point of view such as europe. >> but from the average
.s.s., perhaps should be funded by the space operations budget. we're in a challenging budget environment. fiscal realities demand that nasa become more efficient. consensus has to be established among agency stakeholders, and also to clarify nasa's strategic vision, goals, and mission. the good work that nasa has done and that nasa can do in the future is so very important to me, and to everyone here in this room. i want to preserve our international space station. it is not likely with this electorate than we can expect to go to mars until people can go to the grocery store. it is about the economy. the economy has to improve. i want to work together to insure the american people can get the kind of results that nasa is capable of producing. we have a distinguished panel of witnesses today. this should spark much-needed national dialogue about nasa's future. the group is uniquely qualified to start this important discussion by sharing their own perspective about the strategic direction of america's space program. that concludes my remarks. i now recognize mrs. johnson for her opening statement.
today it will still be a dangerous environment. we will still need to do force protection, but the mission will change this is how we start to leave and it will happen as of this spring which is a surprise. faster than anybody said it would happen. now, the justification for speeding up the way out, i have to admit, is a little holey. holey with an "e," not ah. this is because of the progress that's been made in terms of after began security forces, capacity to take the lead. i don't really know anything about the strength of afghan security forces and neither do you, unless you are just back from the war, which case, welcome home. but the pentagon's report to congress on that subject which reportedly was ready before the election this year, but did not get released until after the election for some reason, the official u.s. pentagon report on the readiness of afghan security forces, far from afghan security forces ready to take the lead, out of 23 afghan army brigades, only one of those 23 brigades capable of operating independently without support from international or u
be a dangerous environment, that we will still need to do force protection. but the mission is going to change. this is how we start to leave. and it's going to happen as of this spring, which is a surprise, which is faster than anybody said it was going to happen. now, the justification for speeding up the way out, i have to admit, is a little holey, not holy as in ahh. president obama saying the acceleration was possible in part because of what has been made in terms of afghan security forces, their capacity to take the lead. i don't know anything about afghan security forces, and neither do you unless you're newly back from the war, and welcome home, but the pentagon's report on that suggest which was reportedly ready before the election this year, but did not get released until after the election for some reason, the official pentagon support on the readiness of afghan security forces says far from afghan security forces being ready to take the lead, it says out of 23 afghan army brigades, only one of those 23 brigades is capable of operating independently without support from internationa
market sounds like a bull compared to that sort of an environment. >> let's talk about what harry just said though because he talked about the large umbrella-type situations that are really going to impact. demographics. >> yeah. >> the fact that the retail investor is gone. we're not going to have the same level of interest in stocks over the long term. he's expecting a big crash second half of the year. >> yeah. he's absolutely right. we've had bun buyer since 666 on the s&p in '09, the corporation itself. nobody else is in this buyer. can you imagine if somebody else does show up for a day or two? we could have a much better market. >> what's going to take us to those all-time highs, what area of the market do you want to be in to ride that wave? >> the multi-nationals. lagged the last couple of years. emerging market economies starting to do a bit better, and those companies that are geared in that direction. look, some of the u.s. companies will do fine, too. earnings are a question mark. that's -- that's part of the problem, but i think as financial and systemic risk mitigate som
they're low you're comparing them to a pristine environment that was the wilderness but the level you're finding are lower than what we would find in most cities. >> right now, well these are wilderness lakes we should say. these lakes are anywhere from 30 kilometers or sorry, 60 miles to 60 miles away from the major source. you have to fly into the lakes typically with a helicopter or something. they're not right no the oil sand operation. what is i think important to say, if you look at our most polluted site, which is about 15 miles let's say approximately from the major operation, if you look at that, that current levels would find in a city. what is different in many cities and many areas, these pollutants, specific ones we're looking at here, hydrocarbons are decreasing. what we're seeing they're increasing and if you look at predictions just from the oil sand development people themselves, they're estimating in the next 50 years they will increase 2.5 times or 150%. if you do back of the envelope calculation if nothing else changes very soon we'll be reaching levels that are qu
much money. the deposit growth here is unbelievable. but in this environment, people want net interest margin. they want the bank to make more money or more mortgages. >> some banks out there, just declined only six basis points. that's how optimistic some on wall street will be going into this quarter. the sequential decline, it's 3.56 for the fourth quarter from 3.66 in the third. as you mentioned, ten-base point decline. so that picture has been dimming a bit. total lending has increased. >> not enough to offset the incredible increase in the deposits. what did they take in over -- >> $30 billion in the quarter. >> 12% annualized. even with that rescinding of the insurance beyond 250,000, still deposit flows. yet you can't put it into productive loans or you don't want to because you worry about credit quality and we end up with contracting energy -- >> look, we're at a moment where i don't think anybody who's got a mortgage, they know they're getting a good price. the ohio regionals are going to do better. that welgs is now a sale. look, wells could go to 33. if it had been to 32,
and suing each other? >> yeah, not suing each other, but in a very, messy policy environment, and i just want to add one thing to this, and i don't know whether we disagree on this, but you see this more and more frequently that the administration, precisely because it knows that congress won't do anything, makes policy by official announcements of law enforcement, so we're going to have our own de facto dream act which congress refuses to enact by administrative law enforcement. that's very clear example of the dynamics here. you might see the same thing in drug enforcement, not going to enforce it, period, because congress won't enact a law to that effect. i find that sort of to go much beyond the ordinary exercise of administrative and executive discretion in law enforcement. it's policymaking by law enforcement which is to my mind a very, very -- in the teeth of congressional statutes to the contrary, i there are real policy difficulties with that, but there are also real constitutional problems with that. it's just sort of one more sign off dysfunction. >> not the way things are sup
environment. >> they are more parsimonious today but he also said tell the truth because sooner or later people will find out. that is still a modern day public relations. ♪ [ male announcer ] how do you turn an entrepreneur's dream... ♪ into a scooter that talks to the cloud? ♪ or turn0-million artifacts... ♪ into a high-tech masterpiece? ♪ whatever your business challenge, dell has the technology and services to help you solve it. mortgage. married. two great kids. he wants to protect his family with a $500,000 term life insurance policy. what do you think it'll cost him? a hundred dollars a month? sixty? forty? actually none of the above. john can get a $500,000 policy -from a highly rated insurer - for under $25 a month. his secret? selectquote. selectquote is impartial. they'll search the pick of insurers like these to give you a choice of your best prices. selectquote has great savings on term life for women, too. john's wife carrie, can get a $500,000 policy for under $16 a month. selectquote has helped make term life insurance affordable for hundreds of thousands of peo
in this current fiscal environment to ensure the success of the space launch? >> thank you, sir. that is a tall order. i think one of the crucial things the consolation program was supposed to do is to provide a smooth transition for the work force and for the capability the nation has off of the shuttle program to what ever came next. and we've lost that now. the deep integration between the low earth orbit and the destinations that was hoped for i think is also gone. i would first say 2012 is not 2008. we are in a different and new situation today and we have to look at going forward. the primary, one of the primary problems with the end of the constellation was again cutting ourselves off from our international partners who didn't see how they were going to participate increasing risks to the international space station because while we certainly hope for and encourage and want to see the private sector to go for that work if there are delays, if there are problems, we don't really have a fallback option so we are down to a few critical paths for supporting the station, and so, the complemen
a clunker for the environment. they say the program produced tons of unnecessary waste while doing little to curb greenhouse gas emissions. the emphasis was on car shredding and not recycling even though they say cars are almost completely recyclable. if they had recycled just metal and plastic it would have saved 24 million barrels of oil. department of transportation deemed cash for clung ears success. >> welfare recipients are taking out cash at new york strip clubs liquor stores and x-rated shops and presumably spending it there. they looked at 200 million or ebt records. the food stamp programs bans purchase of booze and lottery tickets with ebt card but cash assistance and is intended to spent on housing and utilities and household necessities can be obtained at atms. a senior fellow says, quote. i don't blame riptsd, if you are poor, its crummy life and you wanted to have a drink or see a naked woman. i blame the people who are in charge of this. >> a massachusetts democratic governor is downplaying the news his state cannot locate 19,000 people who have either been receiving welfa
it is that they have no intention of doing, anyway. basically, we live in an environment where things are going to continue to change and businesses are going to feel money if they feel there's an end demand that justifies that. there's end demand in china, end demand globally and moderate end demand in the u.s. the reality is businesses have done relatively well for the last two or three years and will continue to. >> real quickly, herbalife later this week will be making a big presentation trying to defend itself from bill ackmann. your thoughts? >> look, i happen to feel that waging your short selling campaign on the air waves a way of dictating stock price, i am personally uncomfortable with. i think it's the wrong way to go about investing because it raises all these questions of are you making a legitimate analysis of the underlying business of the company or are you trying to shift the momentum in order to make money off the stock direction? >> you don't think that bill ackmann is going out, and then selling without us knowing? >> no, i don't believe that. i just don't think that's the
of opportunity in the community banks at this moment. a very tough operating environment with net interest margin low side and saw the other mortgaged-related issues and regulatory scrutiny that as been promulgated. but with the mn t, particular attention to it. it could be another dollar of earnings potential factored into those shares of the course of 2013. pay particular attention. liz: thank you so much. he lives and breathes the stuff. the closing bell ringing in seven tents. we crossed the flat line. all green on the screen. is this the end of the pc era? to the first time in five years, they sales fell and two names attacking the heat. with stocks after the break. ♪ what are you doing? nothing. are you stling our daughter's school supplies and taking them to work? no, i was just looking for my stapler and my... this thing. i save money by using fedex ground and buy my own supplies. that's a great idea. i'm going to go... we got clients in today. [ male announcer ] save on ground shipping at fedex office. ♪ [ indistinct shouting ] [ male announcer ] time and sales data. split-second sta
. it costs a lot of money. in this case it is also costing the environment. >>steve: thanks for the cheery report. >> i was at the redskins game so i'm in a bad news. i'm hosting varney together. we're going to have grover norquist. we're going to give him a heart time because i say this fiscal cliff might have been his waterloo. >>steve: in a couple of minutes, the former marine who wrote a scathing letter to dianne feinstein will join us live. >>gretchen: matt damon wants us to believe that fracking is bad in his movie but a secret report says no fracking way. ♪ [ male announcer ] how could a luminous protein in jellyfish, impact life expectancy in the u.s., real estate in hong kong, and the optics industry in germany? at t. rowe price, we understand the connections of a complex, global economy. it's just one reason over 75% of our mutual funds beat their 10-year lipper average. t. rowe price. invest with confidence. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. with investment informati
cars hurt the environment. science to push their agenda. .e choosing advil® because helps you keep doing what you love. no wonder it's america's #1 selling pain reliever. you took action, you took advil®. and we thank you. with hand-layered pasta, tomatoes, and real mozzarella cheese. but what makes us even prouder... is what our real dinners can do for your family. stouffer's. let's fix dinner. >>eric: extreme weather in jerusalem. the holy land getting a rare snowstorm that paralyzed the city. eight inches piling up on palm trees and streets. it's been over a decade since the last snowfall in the city. michael j. fox is ready for a comeback. he says his parkinson's is under control and he'll be returning to a new tv show where he plays a character who has parkinson's. >>alisyn: some people believe their environmental plans are scientifically sound but are they ignoring evidence when it does not back up their agenda? hank campbell is the founder of science 2.0 and cofounder of science left behind, feel-good fallacies in the rise of the anti-scientific left. let's talk about suppo
. not in great measure but continued to burn gas, producing greenhouse gas right in to the environment. the second is that in pennsylvania, because really wells have never been regulated in pennsylvania. you can build a water well there with a paper clip if you want to. there are methane leaks through almost every well in pennsylvania because they have layers and layers of rock really producing biogenic methane. it's a thing that needs to be contained. >> all right. tom, thank you very much. >> thank you. >>> up next, you think people get fired up over this? you have no idea the twitter fury on our own steve kornacki, a very nice young man for not referring to the president as the president. i'm with sandra who just got these great glasses. you hmmm. let's see if walmart can help you find the same look for less. okay. see? walmart has all these leading eyewear brands and styles. rockstar! really? yeah. oh, wow! oh, black frame looks good on you. yeah? you can get a complete pair starting at just -- $38. really?! and did you know that our glasses come with a free 12-month re
and get some of the issues out of the way. >> we've lived in this environment for the last 18 months, one big disaster after another. everyone is waiting for the policy response, comes at the 11th hour and 59th minute. this is a pattern everyone has gotten used to but the fiscal cliff and the debt ceiling are the last big tail risks we think of the tail risks that we have to worry about, saw we would say once we get past that over the next several months we think it will lift a little bit of a cloud and investors will take risks. >> good to see you. >> good to see you. >> thanks so much for joining us. >> bob, thanks to you as well. ten minutes to go before we close it up. the dow jones industrial average holding on to a gain of 50 points. >> well, this herbalife soap opera is continuing. herb greenberg is coming up. all over the big move in the stock. take a look. up 3.25% right now. we'll show you what's behind it. >> and can you believe the iphone was only introduced five years ago? it is true. five years ago today, in fact, so here's a trivia question for you. the iphone alone is wort
we like wells fargo a lot. they get hurt in a low rate environment, they'll be helped a tremendous amount when short rates move up, and investors have not yet been willing to believe that the mortgage profits are sustainable. even though wells has got 30% market share of the mortgage market, which over time should be a positive. it's just they're not willing to give them full credit for it yet. >> moshe, thanks for your time. >> thanks very much. >> i did want to discuss some breaking news on morgan stanley. the company, a number of news outlets reporting job cuts coming there. we can confirm and clarify some of those reports. morgan stanley sources close to the company indicating they will cut about 6% of its overall institutional securities, and infrastructure staff. those cuts will total 1,600 jobs, half would be international, half will be domestic. again, 6% of securities and infrastructure. now, putting that in perspective, the company has 57,000 total employees. some have reported 6% overall, that is not correct. again, if you do the math, it would be 1,600 total. they've be
. that's the bleed air. and that bleed air usually does everything from controlling the environment within the cabin, the heating and the cooling, onboard electronics. what makes the dreamliner so different, so unique, is the amount of innovation that's gone in to using these lithium ion batteries in order to run the electronics on the plane. well, part of the problem here is, you're taking an amount of electricity that is coming off of these generators, in a very confined and small space, andrew, i mean this would be different if you were in the middle of a power plant. you'd say no problem. companies do this all the time. now you're trying to do this inside of an airplane. we should point out, this has gone through certification at the faa, repeated testing. it's not like they're just throwing these planes up there and there hasn't been any kind of safety checks. they went through extensive tests. if the issue now is was there, and this is something i think we're going to hear about in the next couple of days, is there a specific, perhaps malfunction with some of the electronics a
's session. nokia on strong surge sales. the company did warn that competitive environment though remains challenging. molly corp plummeting after 2013 revenue and case flows would be weaker than expected due to falling rare earth prices. and super value, which has been in the news lately, says it plans to sell five retail grocery clans to an investor group. the price tag, $3.3 billion. as we continue on power lunch we are waiting for president obama to set to name the white house chief of staff jack lew as new treasury chief. but there are a number of people, including some on the floor, who are afraid of mr. lew, heading up treasury. we will talk about that when we come back as you look at this live picture from the white house. i've always had to keep my eye on her... but, i didn't always watch out for myself. with so much noise about health care... i tuned it all out. with unitedhealthcare, i get information that matters... my individual health profile. not random statistics. they even reward me for addressing my health risks. so i'm doing fine... but she's still going to give me a he
rate environment is very tough for them. you want to be cautious going into earnings. sandra: i told everybody you would be naming names. stock your portfolios with what you suggest here. you're calling for three of the 11 regional names to beat expectations. which three? >> well that would be mtb u.s. bank and fifth third and we think they are all in a position because of their mix of earnings, a lot of fee income because of merger in the case of mtb. those are ones where you could see them buck this trend of overall pressure on earnings. we think those are the places to be and they're high quality names. sandra: i want to tell everybody, m & t reporting this week on wednesday, fifth third is reporting on thursday. those are where you're calling for beats. six of them you are predicting of regional banks will miss expectations which six? >> we have a number of them. in fact it will be more than six. it will be across the board. we look at a keycorp and pnc, some of the other names where the net interest margin pressure because of a flat curve, much like wells fargo, even if they mak
and there's no sales pressure. >> reporter: nonselling environment. hundreds of cars you can climb in and check out and talk to experts and learn about new technology and we have more than 80 vehicles you can get in and test drive. >> reporter: we'll do that in a bit. we'll hop back in that jeep you saw us drive through the south hall here at mchenry convention center in about 45 minutes maybe if i give them a couple c bills i can get behind the wheel. and every day except for sunday it goes until 6:00 otherwise 10:00 to 10:00. >> cool. thanks a lot, bob. >>> google chairman eric schmidt is calling for more freedom in north korea. >> good morning to you. that's right. as you know, schmidt touring north korea alongside former new mexico governor bill richardson. this is schmidt's comments as he was mobbed by press. >> the government has to do something. they have to make it possible for people to use the internet which the government in north korea has not yet done. >> a lot of attention on google earth where bloggers are posting satellite photos of north korea and prison camps for
economic environments. >> got it. dennis, great to see you. >> always nice to be on. >> dennis gartman. time now for pops and drops, the big movers you might have missed. drop for verizon. b.k.? >> trading down in sympathy with apple and the order cuts. verizon sells a lot of the iphones. i would stay away. >> big pop for fifth and pacific. up 11%. karen? >> yes, they were at the icr conference, a big retail conference this week and they put out numbers which were not as disappointing that people thought. kate spade, absolutely on fire, even though juicy, not so juicy, but we like fifth and pacific. >> pop for research in motion. pete? >> this is the story with a no story. a stock that was $11.82 at 10:00 in the morning that finished at 1 $14.95. there's been volume in the stock and options. expectations this stock is going to go higher. splenty of speculation. forget about that. a lot of dollars right now. >> pop for ups. grasso? >> their deal with tnt express fell apart. they have to pay $266 million because it did, but it frees up $6.8 billion in cash. the speculation is that it win
.5%? >> yeah. it's certainly a good return, low interest rate environment. i like to think of it as a fair return for honest work. not the best return out of the equity market in past years but a good return coming from some earnings growth and pe expansion and a 2.5% dividend return. >> from an economy that continues to improve. >> it is improving. first half i think weighed upon by all of this fiscal shenanigans going on and second half should be better and the fed will step back but they're super easy. equities should benefit. >> i want to listen to a sound bite, david, that there was on "squawk box." here's what he said about his expectations for earnings. >> earnings of s&p 500 are going to be down this year. >> down year over year? >> down year over year. i think below 100. >> below 100. >> maybe 95. i think the market will have a swoon here, ending the year pretty flat. >> what is he missing? >> we are forecasting $108 of earnings for 2013. >> big difference. >> big difference. i respect byron's opinion. we don't expect a recession and what needs to be said is, hey, s&p showed terri
ever could've done anything close to a time, but given the domestic political environment, international situation that we are in, the weakness of our economy, you know, probably nothing about the seven or eight was in the cards, but it's worth looking at a 10 comparing what we have to realize why we are not in the best of all possible worlds at this point. issue one is really the big enchilada, which is doing the one turn fiscal balance that we face in an accessible way and that would have given a 10 to what folks were talking about, but was unachievable, which was the grand bargain between the president and the congressional leaders on a package of tax and spending policies that over the next 10, 12 years would destabilize the debt to gdp ratio and that would send the package somewhere in the two to $3 trillion range. of course there wasn't time. the time between the election in january 1st 2 workup of his details, give up the fact we have to political parties snarling at each other and not a whole lot of the way of negotiations. that really wasn't in the cards, but a ni
returns, what you're telling clients for the next three to five years? >> in this environment, we're actually asking our clients to think about three things. first we're going to have low interest rates for awhile. so they need to adjust their expected returns. so in a low interest rate environment we're going to have lower returns across all asset classes. second, we're telling our clients that as they think about the lower returns in the context of their portfolios, they also need to recognize that we are going to have volatility from incremental policy on a global basis. whether it's in the u.s., europe, japan or emerging market countries. we are expecting that policy, whether it's monetary policy adjustments, fiscal policy, it will all be incremental. and that will create market pressure because it won't be at a pace that the markets would like to see. so that will introduce volatility. and it's not something our clients should try to trace. they should look over the horizon and invest for the long run. >> looking at the long run, three to five-year term outlook if you look at
environment. there are still plenty of people who think the debt ceiling issues could be a debacle. february 15th, a little earlier than expected, a lot of people floating ideas that moody's might downgrade the u.s. debt sometime this quarter, if there's no grand bargain that ever appears, and that looks increasingly unlikely. i'm in the camp that the risk is to the down side on the stock market right now. earnings today, as you just mentioned here, look, the question has been whether or not putry was the trough in earnings that things would get better from here. it's going to be modest improvement. q4 isn't looking that great. we're only looking at roughly 3% improvement in earnings. that's not great. top line growth has been nonexistent throughout last year. q3 top line growth was zero. zero. we haven't seen that in a long time. you want to know how weird that is? the ten-year eenaverage is 7%. maybe it will be 3%. that's the hope. it's coming down as we're going in. so we may be at a trough in the third quarter, but the fourth quarter certainly isn't going to be gangbusters right now here
interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that starts to get into the territory of you are not having enough
a shop than it is in a -- [inaudible] environment. and the version of the colorado law makes the law enforcement side much more challenging. >> so the next thing a state could do is simply repeal, right? and say, well, if you're going to crack down on a regulatory system, we'll legalize without a regulatory system, and do what you can. >> you might notice that i think some of the initial efforts were a bit rebellious by nature. every marijuana user just -- [inaudible] i think some of them have a distaste for this becoming legal because now they're abiding with the law. [laughter] so i think what there is is a very aggressive response. you are going to see much more aggressive versions of the law, and by that i mean versions of just repeal. >> it's interesting, what we're seeing here is in some ways the breakdown of a federal/state law enforcement partnership in which the feds rely very heavily on the states which leads us to michael greve who will give us some broader context on what we're seeing unfold here. >> right. i'm against partnerships, and i'll explain why. there is a sort o
car, try to save gas and help the environment and they'll still tax you. you really can't make this stuff up. we'll deal with it next and look at this quote. [ male announcer ] at scottrade, we believe the more you know, the better you trade. so we have ongoing webinars and interactive learning, plus, in-branch seminars at over 500 locations, where our dedicated support teams help you know more so your money can do more. [ rodger ] at scottrade, seven dollar trades are just the start. our teams have the information you want when you need it. it's anothereason more investors are saying... [ all ] i'm with scottrade. nothing. are you stealing our daughter's school supplies and taking them to work? no, i was just looking for my stapler and my... this thing. i save money by using fedex ground and buy my own supplies. that's a great idea. i'm going to go... we got clients in today. [ male announcer ] save on ground shipping at fedex office. [ male announcer ] save on ground shipping you know it can be hard to lbreathe, and how that feels.e, copd includes chronic bronchitis and emphy
regulated environment. so we take you quickly through a few studies that we've done that i think shows some very consistent patterns with firearms selzer accountability measures and the diversion of guns to criminals. the first one we published in 2009 was a study where we took the atf data from the 54 cities that had done comprehensive trace practices, had been in place in those cities. we looked at the state gun laws and we did a survey of state and local agencies to see what practices they engaged with respect to the oversight of licensed gun dealers and we did some regression analysis we control for a number of factors including other state done laws, gun ownership proxy's and the proximity to other states with weak gun laws. what we found is when you just looked at the states having strong gun dealer registrations by itself, it actually did not affect the diversion of guns to criminals. it was only having those in concert with a practicing those agencies of regulatory audit inspections and oversight of the dealers which i think it's quite interesting and important. we also found states
only voted for obama. that kind of sets up a much more friendly environment to talk about the issues. host: fawn johnson, correspondent with national journal, we're focusing the "washington journal" this morning on issues surrounding immigration. later on, we'll talk to some reporters as well as folks on both sides of the issue right here on n washington, d.c. our first phone call is from ryan in texas on our democrats line. hi, ryan. caller: yes, how you doing? host: good. caller: i would like to say, they're not going to enforce the immigration laws. some of the people that i know out with these charges, that they're not going to follow immigration rules, just some of these guys that got these crack charges and trying to get back to their families. host: you're talking about drug charges? ok. let's go to trevor in arlington, virginia, on our independent line. hi, trevor. caller: hello. how you doing? host: good morning. caller: basically the premise of my question is, you know, everybody involved in deciding what's going to happen with immigration, you would think they would have t
. [video clip] >> we are all products of our experience and environment. i have been tempered by the experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy and military policy, how i judge consequences, how the world sees us, their trust in our purpose in power. no question much of the questioning i have done about iraq and was tempered by the experience in vietnam. whenever i will ever do in my life -- whatever i will do in my life, those experiences shaped me, just like anyone who has gone through war. those experiences shape you very much. it makes you less inclined to jump into war. it is easy to get into war, not very easy to get out, as evidenced by the johnson tapes. you need to think through these things. diplomacy is critically important, especially in the complicated world we live in today. i think something else is important here and a lesson we learned from vietnam. what is going to be very important for america is not to isolate ourselves in the wo
environment and we're willing to take what measures are necessary to make that happen. >> gretchen: the move is legal under the state's concealed carry law. >> steve: talk about a hero's welcome home. [ laughter ] >> steve: that's terrific. a very happy reunion between this army soldier and his dog after he spent a year in afghanistan. his dog, jasmine, didn't forget who he was and she can't contain her excitement. the video was posted to the armed forces site, welcome home and has been reposted all across the internet. that is absolutely beautiful. >> peter: terrific. >> steve: meanwhile, a tale of two temperatures. warm here in the northeast and a rare winter blast out west. our own maria molina has been tracking it all morning long, trying to explain why it's 50 degrees right now in new york city. >> yes. very strange. good morning. good morning, everybody. we actual lea is a big dip in the jet stream out west. that's really the reason why we're looking at all of that cold air across the western two-thirds of the country. that's allowing all of that cold air from canada to sink s
policy, for example. they've done so many things by executive order on the environment that are radical shifts from where most americans are. i don't see why anyone would dismiss that the kind of extreme measures that people have contemplated in the past and what's most dangerous is the way that they couch their rhetoric in what seems to be moderation. right now they're talking about gun safety instead of gun control. and when they harp about assault weapons or ammunition, what they're really talking about, and we have had this kind of cantor before from the gun grabbers is talking about the kind of hand guns that ordinary americans use to protect themselves. >> steve: sure. exactly. you know, what they're looking at right now, background checks and things like that, and the fact that they want to have no gun zones around schools, neither one of those would have probably stopped the tragedy in sandy hook because the guns did not belong to the shooter. it was already a no gun zone at that school. we've got a sound bite for everybody to listen to. here is bill clinton in las vegas at the
to sort of build a better environment for consumers, dr. sachs, where is the consumer today on being treated fairly by the banks, being given clear information, being not put in situations where they're going to go under water like still so many americans are with their mortgages? >> well, i think we're all confused. >> have any of them improved? >> i think there's probably a little improvement. i think elizabeth war knoren is going to make a big difference because she's going to be watching absolutely. i think the truth is the bankers still run the show in washington as well as on wall street. the thing about bailing out banks, even if you had to bail out the financial system, you don't have to bail out the bankers. and that's where they didn't know how to draw the line. and i think what you said, joe, is absolutely right. the campaign contributions have been the focus on both parties. this time they went wildly for the republican side because it's true. you do the slightest thing, it's indignation. you only gave us hundreds of billions of dollars of bailout. how dare you say a word
or attempts on his life three times and operates in a very difficult political environment and has an insurgency going. so i think if you put all of those factors in play, suddenly you get a better measure of the kind of what he has facing him. i'm not saying that president karzai is a perfect leader. but what i'm saying is we should try to understand that context and i think it can allow us to deal better with a leader like him? >> in your book you write this about the afghan president. hamid karzai was a man of strong emotions and loyalties rubbed raw sometimes to cynicism by long years and slowed to trust but chited to relationships. you spent a lot of travel time with him. bottom line, is he doing what he needs to do? >> well, i'm not on the ground to junl the current activities but i think he's doing what he thinks he has to do, and that is navigate a western coalition that is very skeptical of the mission and desirous of pulling out, dealing with a taliban insurgency and then internal politics. so i think if you really look at his challenge, he's walking a tight rope in a sti
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